Minneapolis Fed · District 9

Bank fees in North Dakota

Name: North Dakota Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $10 below the national median.

institutions with published feesof 89 headquartered in North Dakota: 27
medians fall within the national middle 50%: 7 of 10

Data refreshed Nov 2, 2026

Get the free North Dakota report

Local fee benchmarks

Fargo's debit card replacement median is $7.50; North Dakota's is $12.06.

Debit Card Replacement median by market, institutions with a branch thereNorth Dakota $12.06, 17 institutions

North Dakota's 8 largest markets by institutions with a branch there; marker size follows that count. Every North Dakota city on the map

Overdraft (OD)NSF / Returned Item Monthly Maintenance Stop Payment Wire Transfer (Domestic Out)Debit Card Replacement

Fargo
7 institutions
$7.50
North Dakota
17 institutions
$12.06
Minneapolis Fed district
168 institutions
$10
U.S.
2,744 institutions
$10

Who each median counts

Fargo: With a branch in Fargo, wherever headquartered
North Dakota: Headquartered in North Dakota
Minneapolis Fed district: Headquartered in the Minneapolis Fed district
U.S.: Every institution in the index

Fargo

Fee data available for 20 of 35 institutions

Compare Fargo fees

Sources: Branches from the FDIC Summary of Deposits (banks) and NCUA (credit unions). One value per institution: its highest overdraft fee, the middle of its schedule for other fees. A median needs at least 5 institutions.

North Dakota's banks and credit unions

27 of the 89 institutions headquartered in North Dakota have published fees here, and 26 of them have fees that count toward the medians on this page. Figures here count those headquartered institutions, except branches and deposits, which count every institution serving the state.

Banks versus credit unions

Credit unions have lower medians on 3 of 6 fees, among institutions headquartered in North Dakota.

lower at credit unions: 3
lower at banks: 2
about the same: 1

6 fees with both a bank and a credit union median in North Dakota.

Lower at credit unions

Lower at banks

About the same

Fee

NSF / Returned Item

Credit unions $5 lower in North Dakota.

$30

Banks

median of 12

$25

Credit unions

median of 9

Two fees with lower bank medians

Wire Transfer (Domestic Out)

$20

Banks

median of 8

$25

Credit unions

median of 7

Debit Card Replacement

$10

Banks

median of 10

$15

Credit unions

median of 7

Every fee, banks against credit unions

Bank and credit union medians in North Dakota; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$30	$30	Same
NSF / Returned Item	$30	$25	$5
Wire Transfer (Domestic Out)	$20	$25	$5
Stop Payment	$30	$20	$10
Cashier's Check	$5	$3.50	$1.50
Debit Card Replacement	$10	$15	$5

Fee medians by peer group

Institutions under $300M in assets in North Dakota

NSF / Returned Item runs $5 below the North Dakota median.

Overdraft (OD)
Group median:
$28.98
of 10 institutions publishing
State median:
$30
of 20 institutions publishing
Difference: $1.02 below
NSF / Returned Item
Group median:
$25
of 13 institutions publishing
State median:
$30
of 21 institutions publishing
Difference: $5 below
Monthly Maintenance
Group median:
Too few to compare
of 2 institutions publishing
State median:
$4.99
of 8 institutions publishing
Difference: Not compared
Wire Transfer (Domestic Out)
Group median:
$20
of 10 institutions publishing
State median:
$20
of 15 institutions publishing
Difference: Within 1%
Wire Transfer (Int'l Out)
Group median:
Too few to compare
of 6 institutions publishing
State median:
$50
of 11 institutions publishing
Difference: Not compared

Difference: the group median against the North Dakota median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.

Show all 10

Stop Payment
Group median:
$20
of 12 institutions publishing
State median:
$25
of 20 institutions publishing
Difference: $5 below
Cashier's Check
Group median:
$3.50
of 9 institutions publishing
State median:
$5
of 16 institutions publishing
Difference: $1.50 below
Debit Card Replacement
Group median:
$15
of 10 institutions publishing
State median:
$12.06
of 17 institutions publishing
Difference: $2.94 above
Deposited Item Return
Group median:
Too few to compare
of 5 institutions publishing
State median:
$5
of 12 institutions publishing
Difference: Not compared
Wire Transfer (Domestic In)
Group median:
Too few to compare
of 6 institutions publishing
State median:
$15
of 9 institutions publishing
Difference: Not compared

How groups are counted

Each institution counts once: its highest overdraft fee, the middle of its schedule for other fees.
Size bands come from FDIC and NCUA total assets, bank regulator from the FDIC registry and credit union charter from NCUA.
The North Dakota median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in North Dakota with verified fees, Bank Fee Index; size, regulator and charter from FDIC and NCUA records. A group median needs at least 8 institutions. Data as of Nov 2, 2026.

Who serves North Dakota

The five largest banks hold 38% of bank deposits in North Dakota. 89 banks and credit unions are headquartered here; 407 bank branches and 126 credit union branches serve the state, wherever headquartered.

First International Bank & Trust10.1% · $4.3B across 19 branches
Bell Bank8.1% · $3.5B across 11 branches
Gate City Bank7.8% · $3.3B across 36 branches
Bravera Bank6.9% · $3.0B across 26 branches
Choice Financial Group5.0% · $2.1B across 13 branches
Every other bank62.2% · $26.7B

57% of the 60 banks hold $100M to $1B in assets

FDIC asset-size groups

45% of the 29 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions headquartered in North Dakota, tracked by Fee Insight. Total assets from FDIC and NCUA data, grouped the way each regulator reports them: the FDIC asset-size groups for banks and the NCUA groups for credit unions. Bank deposits from the FDIC Summary of Deposits, 2026, for branches in North Dakota; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

North Dakota bank service charges rose 5.9% from Q2 2025 to Q2 2026. Credit union fee income is a wider measure than bank service charges, so the two charts stay separate and are never added together.

Banks: service charges on deposit accounts

$17.9MQ2 2026

+5.9% from Q2 2025

Credit unions: all fee income

$6.0MQ2 2026

+7.4% from Q2 2025

Source: Institutions headquartered in the state. Banks: service charges on deposit accounts, FDIC call reports. Credit unions: all fee income, NCUA call reports. Credit union year-to-date income is split into quarters; a quarter shows once most institutions have filed.

Free report

Get the free North Dakota fee report

The North Dakota medians against the U.S., sent to you and updated as schedules are verified.

North Dakota versus the Minneapolis district

Higher in North Dakota: wire transfer +⁠$5, debit card replacement +⁠$2.06. Lower in North Dakota: wire transfer −⁠$5, deposited item return −⁠$5, monthly maintenance −⁠$1.64. The other 5 fees are about the same.

Wire Transfer (Domestic Out)
North Dakota $20 (15 inst.) · District $25 (162 inst.)
−$5
Deposited Item Return
North Dakota $5 (12 inst.) · District $10 (111 inst.)
−$5
Wire Transfer (Domestic In)
North Dakota $15 (9 inst.) · District $10 (104 inst.)
+$5
Debit Card Replacement
North Dakota $12.06 (17 inst.) · District $10 (168 inst.)
+$2.06
Monthly Maintenance
North Dakota $4.99 (8 inst.) · District $6.63 (98 inst.)
−$1.64

North Dakota median against the Minneapolis district median, by fee
Fee	North Dakota	District	Gap
Wire Transfer (Domestic Out)	$2015 inst.	$25162 inst.	−$5
Deposited Item Return	$512 inst.	$10111 inst.	−$5
Wire Transfer (Domestic In)	$159 inst.	$10104 inst.	+$5
Debit Card Replacement	$12.0617 inst.	$10168 inst.	+$2.06
Monthly Maintenance	$4.998 inst.	$6.6398 inst.	−$1.64

What the Fed sees in the district

“Economic activity in the Ninth District increased slightly since the previous report.”

Beige Book, Minneapolis district, October 2026 Hamilton sets it beside an institution's own fees

Open the Minneapolis district report

Source: Both medians count institutions by headquarters; the district takes in North Dakota and the rest of the Federal Reserve's Minneapolis district. Medians from each institution's own published schedule, one value per institution; a median needs at least 5. A gap under 1% reads as about the same. Federal Reserve Beige Book, Minneapolis district.

North Dakota versus the U.S.

2 of 10 North Dakota medians sit above the U.S. median. North Dakota medians count institutions headquartered in North Dakota; U.S. medians count every institution in the index.

Overdraft (OD)

$30

Median of 20 North Dakota institutions. U.S. $30.

North Dakota institutionsNational middle range

Explore 15 additional North Dakota fee categories in Hamilton.

Method: Findings rank only fees with at least 10 North Dakota institutions. Fees with fewer appear in the list, unranked. The national middle range runs from the 25th to the 75th percentile of U.S. institutions.

National context

North Dakota unemployment was 2.2% in September 2026, against 4.2% for the U.S.

North Dakota

Unemployment rate, against the U.S.

North DakotaU.S.

Sep 2021 to Sep 2026

Median household income in North Dakota: $77K (2024).

United States

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

+1.0% in the 12 months to Sep 2026, nationally.

Source: BLS unemployment and the BLS CPI for checking accounts and other bank services; Census ACS 2024 median household income. The CPI is national; it has no state figure.

More North Dakota data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

U.S.1.1

1 North Dakota institutions are matched to CFPB records, under the 10 a rate needs.

Source: CFPB Consumer Complaint Database, fee-related issues. Only institutions matched to their CFPB company record count, and a rate needs 10 of them.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets an institution's own fees beside institutions its size in North Dakota.

See Hamilton plans Or ask for a demo

From 26 North Dakota banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 2, 2026. Methodology

Bank fees in North Dakota

Overdraft and NSF medians are about the same as the national median. The deposited item return median is $10 below the national median.

institutions with published feesof 89 headquartered in North Dakota

medians fall within the national middle 50%

7 of 10

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$30

Same

NSF / Returned Item

$30

$25

Wire Transfer (Domestic Out)

$20

$25

Stop Payment

$30

$20

$10

Cashier's Check

$3.50

$1.50

Debit Card Replacement

$10

$15

Fee

North Dakota

District

Lower in North Dakota Higher in North Dakota

Gap

Wire Transfer (Domestic Out)

$2015 inst.

$25162 inst.

−$5

Deposited Item Return

$512 inst.

$10111 inst.

−$5

Wire Transfer (Domestic In)

$159 inst.

$10104 inst.

+$5

Debit Card Replacement

$12.0617 inst.

$10168 inst.

+$2.06

Monthly Maintenance

$4.998 inst.

$6.6398 inst.

−$1.64